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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $88,139 | $107,666-18.1% | $102,184-13.7% | $154,746-43.0% |
| Participation rate | 61.9% | 83.7%-21.8pp | 82.6%-20.7pp | 80.7%-18.8pp |
| Annual return | 15.64% | 29.33%-13.7pp | 31.58%-15.9pp | 172.34%-156.7pp |
| Employer contribution / active EE | $1,234 | $3,846-67.9% | $3,594-65.7% | $4,379-71.8% |
| Participant deferral / active EE | $3,764 | $8,719-56.8% | $8,309-54.7% | $6,730-44.1% |
| Admin fee / account holder | $2,442 | $12,943-81.1% | $11,609-79.0% | $14,365-83.0% |